Robert Hillberg is the principal of Hillberg Capital Management, LLC in Turlock, California, and holds the PFS™ designation. He has 21 years of experience in financial advising and has operated his investment advisory firm since 2004. In addition, he has been a partner at Hillberg & Co, CPAs since 1980, providing tax, accounting, and general business services outside of investment advising. Hillberg Capital Management is a fee-only registered investment adviser serving individuals, trusts, retirement plans, and businesses. The firm focuses on strategic asset allocation and diversification, primarily using mutual funds and ETFs, and integrates its investment management with the affiliated CPA practice for coordinated tax and financial planning.

Kevin Berger is the sole advisor at Berger Asset Management, Inc. in Turlock, CA, holding a Series 63 credential with 14 years of industry experience. Prior to founding his firm, he worked at Berger & Company, CPAs for 18 years. Outside of his advisory role, he serves as president and director of several non-investment related companies, including Colonize Media, Inc., a digital media distribution firm, as well as employee benefit administration and consulting companies. Berger Asset Management provides discretionary portfolio management and advisory services to individuals, corporations, pension and profit-sharing plans, and estates and trusts. The firm employs a fundamental, value-oriented investment approach focused on large- and mid-cap securities, tailoring portfolios to client objectives and incorporating various instruments such as equities, debt, mutual funds, ETFs, options, and limited futures.

Karmjit Bath is a Series 65-licensed advisor at Three Oaks Wealth with one year of industry experience. Prior to joining Three Oaks Wealth, Bath held roles at MLOA, TOR Wealth Advisor, and Intel Corporation. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm uses a strategic, research-driven investment process combining top-down asset allocation and bottom-up security selection to build diversified portfolios.

Rachel Pierini is a financial advisor at Provident Living Financial Services with nine years of industry experience. She holds a Series 65 designation and has been with Provident Living since 2015. Outside of her advisory role, Pierini owns QB Business Solutions, LLC, which provides life and financial advocacy services, notary services, and administrative support. Provident Living Financial Services serves individuals, trusts, estates, nonprofit organizations, and business clients with discretionary portfolio management, financial planning, and group retirement plan investment management. The firm employs a blended advisory and financial wellness model, offering multi-tiered membership plans and concierge services alongside its investment programs.

Glenn Andrade is a financial advisor with AFS Investments in Turlock, California, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at AFS Investments since 2012 and previously spent 10 years at Mutual Securities Inc. Andrade is also a licensed life insurance agent involved in the sale and servicing of life insurance policies. AFS Investments provides advisory and planning services to individuals, retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both bottom-up stock selection and top-down asset allocation approaches, offering discretionary, non-discretionary, and self-directed engagement options.

Arthur Askil is a financial advisor at Titan Capital Management with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Titan Capital Management since 2005 in its various entities. Titan Capital Management provides discretionary portfolio management and financial planning services to individuals, businesses, pension and profit-sharing plans, and other registered investment advisors. The firm employs a Global Tactical Asset Allocation approach using proprietary quantitative models to adjust asset allocations dynamically across an aggressive-to-conservative risk spectrum.

Gary Pevey is a financial advisor at AFS Investments with 32 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at Mutual Securities, Inc. and Wealth Design Group, where he worked for over two decades. Outside of advisory services, he is an agent for Wealth Design Group Insurance Corporation, involved in life, health, and disability planning. AFS Investments serves individuals—including high-net-worth and non-HNW clients—retirement plan sponsors, trusts, and business entities, managing approximately $56 million across about 140 client relationships. The firm employs both “bottom-up” stock selection and “top-down” asset-allocation strategies and offers discretionary, non-discretionary, or self-directed client engagement options.

Michael Abram is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been with Integral Investment Advisors, Inc. since 2015 and briefly attended California State University, Stanislaus in 2016. Beginning in December 2024, he will serve as the Treasurer for the City of Turlock, managing the city’s fixed income investment portfolio. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm focuses on asset-allocation-based portfolio construction with a total-return orientation and employs a tactical sector tilt, using a variety of instruments including options and digital-asset strategies.

Mallory Sise is a CFP® and Series 65-registered advisor with Integral Wealth Management, bringing four years of industry experience. She has worked at Integral Investment Advisors, Inc. since 2022 and has prior experience with Crosspoint Church and California State University, Stanislaus. Integral Wealth Management is a SEC-registered advisory firm serving individuals, charitable organizations, and employer retirement plans. The firm manages approximately $673.9 million in assets, utilizing a customized, asset-allocation driven approach focused on capital preservation and after-tax total return, incorporating both fundamental and technical research.

Brooke Gaither is a CFP® professional with 10 years of industry experience, currently serving at Integral Wealth Management. Her prior experience includes roles at Charles Schwab and Charles Schwab Bank, where she worked for eight years, as well as a year at LPL Financial. Integral Wealth Management is a SEC-registered advisory firm that manages approximately $673.9 million in assets for individuals, charitable organizations, and employer retirement plans. The firm employs a customized, asset-allocation driven investment approach focused on capital preservation, after-tax total return, and tactical sector allocation.

Jodi Karambela is a CFP® professional with 23 years of industry experience, currently serving at Integral Wealth Management since 2008. She holds Series 63 and Series 66 licenses and is based in Turlock, CA. Integral Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm emphasizes asset-allocation-based portfolio construction with tactical sector tilts and employs a range of instruments including options and digital-asset strategies.

David Epps is a CFP® with 28 years of industry experience. He currently works at Integral Wealth Management and previously spent over two decades at Charles Schwab and Charles Schwab Bank. Integral Wealth Management offers discretionary investment management, financial planning, and retirement plan consulting to individuals, charitable organizations, and employer-sponsored plans. The firm employs an asset-allocation-based approach with a tactical sector tilt and utilizes a variety of investment instruments, including options and digital-asset strategies, while providing regular account reviews and client meetings.

Dustin Roberts is a financial advisor at Savvy with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at U.S. Bancorp Investments, U.S. Bank, and BBVA-affiliated firms. He serves as a board member of ACT Advancing Children of Turlock, a nonprofit organization. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, and corporations. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by a parent technology platform and third-party tools.

David Hubble is a financial advisor at Compound Planning, Inc. with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Claraphi Advisory Network, LLC, B. Riley Wealth Advisors, Inc., and Brookstreet Securities Corporation. Compound Planning serves individuals, high-net-worth families, businesses, retirement plans, and financial intermediaries with discretionary portfolio management, financial planning, and institutional advisory services. The firm combines long-term buy-and-hold strategies with tactical risk-based portfolio management and offers both direct investment management and a turnkey asset management program that includes third-party and alternative investment models.

Rodney Smith is a financial advisor at NWF Advisory Services Inc with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including LPL Financial and National Planning Corporation. He serves as an elder and board member at Calvary Chapel Turlock. NWF Advisory Services is an SEC-registered investment adviser managing approximately $6.4 billion in client assets through a network of over 100 advisory representatives. The firm primarily serves individual and high-net-worth clients with portfolio management, financial planning, and retirement plan consulting using an open-architecture, technology-driven approach.

Elias Reyna is a financial advisor at Centaurus Financial, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Securities America Advisors and Securities America, Inc. Outside of his advisory role, he sells health insurance through Anthem Blue Cross. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services, utilizing both discretionary and non-discretionary arrangements with various analytical approaches and specialized advisory management options.

Alexander Aliagaauqui is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, U.S. Bank, Bank of America, Merrill Lynch, and BBVA. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional capabilities including in-house research and unique market roles.

Brandon Halliday is a financial advisor at PNC Wealth Management with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Hickingbottom Financial Services, Raymond James Financial Services Advisors, and BBVA Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available as an invitation-only pilot for employees. The firm uses algorithmic questionnaires to guide investment risk bands and implements portfolios via approved strategies with mutual funds and ETFs.

Adam Bain is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He holds a Series 66 designation and has been with Citigroup Global Markets since 2007, following prior roles at Citicorp Investment Services and Morgan Stanley Dw Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research, swap dealing, and futures commission services.

Adrienne Guerra is a financial advisor with Ameriprise in Atwater, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise since 2015. Outside of her advisory role, she serves on the board of the Peggy Heller Parent Club as Treasurer, acts as Secretary for the Atwater High School Quarterback Club, and teaches catechism to 2nd through 4th graders at St. Anthony's Church. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad array of advisory, brokerage, and insurance solutions through its affiliated entities.